RTP Is from Venus, Crypto Is from Mars

The article, “Do Advances In Real-Time Payments Make Crypto Less Interesting?” fails to recognize the key differences between the two payment platforms and poses the question, Are these “parallel but separate” rails? The obvious answer is “Yes, they are!”  While crypto and RTP provide similar functions, there are two critical differences which are not related to payment rails; these differences are about funding and worldview. Funding: Investors won’t get rich investing in RTP. In fact, achieving breakeven is likely to take many years. As a result, RTP will never receive the level of investment crypto gets today (VC’s invested $3B [...]